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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,904 | $72,273-90.4% | $101,275-93.2% | $79,856-91.4% |
| Participation rate | 60.6% | 68.5%-7.9pp | 75.8%-15.2pp | 69.6%-9.0pp |
| Annual return | 33.13% | 22.30%+10.8pp | 46.48%-13.4pp | 31.71%+1.4pp |
| Employer contribution / active EE | $1,008 | $2,691-62.5% | $3,660-72.5% | $2,471-59.2% |
| Participant deferral / active EE | $1,791 | $3,282-45.4% | $4,371-59.0% | $3,741-52.1% |
| Admin fee / account holder | $415 | $4,401-90.6% | $5,948-93.0% | $5,306-92.2% |